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Extra charges on credit cards
The other day I used a credit card to pay for some tickets online, they charged a credit card fee, however if I use a debit card there is no fee. Is this normal? And do they always have to tell you there going to charge? Also if I was to get cashback on a purchase using my card would I be charged as I have 0% on purchases,…
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Skycard Application
Recieved an application from Skycard through the post to sign and date. Looking carefully they are part of Barclaycard who I already have an account with. Does this application mean that they have excepted me for an acount with them?
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Virgin Credit Card - Super Balance Transfers??
Hi all Am I right in thinking that the Virgin credit card is issued by MBNA and therefore you can do a 'super balance transfer' into your current account and enjoy 15 months 0% with the only downside being a 2.98% admin fee? Has anyone successfully done this on their current 0% for 15 months offer? Thanks
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Little bit confused
Hi folks, I'm in the process of paying off the credit card debts that I ran up as a student. In the last year and a half, I've got my debt down from around 11k to just over 6k, and have had all of this on various 0% cards, which I have moved every six months. The interest free period of these cards is just about to expire,…
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thank goodness we dont have credit cards from the USA!
its a little number hidden in the t&c´s. 50% of credit cards there have whats called Universal Default policy, which means when you miss a monthly payment (for whatever reason) you will see your interest suddenly shoot up from say 3% to 29.9% without needing to give you a warning. and the craziest thing it can be for an…
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Question about Balance Transfers and Purchases at 0%
I have a a question about Balance Transfers and Purchases at 0% which I hope you guys could clarify. I applied and received an mbna priority club credit card. Which is 0% on BT for 12 months and 0% on purchases for 3 months. I transfered some credit over which I will pay off later this year with a bonus from work. Anyway,…
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Lloyds TSB - Pin request ???
I've forgotten my pin for my card, so I went on-line to request a new pin. You can only do so via the website "request a pin" by texting PIN xxxxxxxxxxx to 61119. But when doing so and send it, I get a reply "recepient unknown, cancelled" on my mobile :mad: , otherwise I could pop into the branch one day. Has anyone had…
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Late fee, should we not be charged?
what would happen if we never got charged anything for being late? THe whole thing would be a sham, if there was no punishemnt for being late than noone would make the effort to pay on time, interest charges would get mixed up and we would all just take the micheal. What is anyone elses opion on this? I beleive that there…
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Arrangement to Pay showing on Barclaycard
After reading all these forums I joined up to Equifax and regularly check my credit/payments on line. I am up to date with all payments etc. However I was shocked last month to find an Arrangement to Pay on a Barclaycard suddenly showing. It shows up to date payments for about 4 years but now shows 2 arrangment to pay…
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Cannot Make A Balance Transfer and Cannot Reduce Balance
I am a 22 year old student with one academic year remaining. I owe £2000 on a HSBC credit card and make the minimum payment each month of £46 which has no impact on the balance. This equates to £552 a year down the swanny. I also cannot afford to pay more than this as I am on a very low income, less than £4000 per year. I…
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LloydsTSB automatically gave me a airmiles cc without my CONSENT!
I am in shock for some reason i went online to check my LlyoldTSB current account and credit card to find i ALSO have a Airmiles Duo Credit Card for a limit of £15000 i rang lloydstsb and they are investigating how i got signed up for a credit card without my knowledge i am completly shocked for a start its another credit…
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Abbey credit card online and cancellation question.
I have 2 Abbey credit cards fo the last 6 years. At first the online log on was linked to the Abbey website, then the log on for those cards were shifted to a separate website, now they seems to have started a log on link on their website again, for which you need to register again, but some credit cards starting with some…
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HSBC early termination of 0% deal
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how much do you pay for the gas&elec for a bedroom flat per month?
I've just recently switched my energy supplier...and got a final bill. It made me thinking...... it looks like I need to use more than £35 a month for gas&elec????is that normal? I never really thought about this issue as I pay standing order for £35 per month and enter the reading whenever i feel like....I'd thought with…
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Debenhams messes up credit card, violation of data protection?
Hi, Any advice is welcome, as I don't know what to do, but I'm deeply disturbed by this. A few days ago I went into Debenhams, bought something and was offered their credit card and a 10% discount. I decided to apply, on my maiden name and as reference they took a debit card from my own bank account. Today, my husband…
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Please can anyone advise?
Hello there, hope anyone can help me. I currently have three cards all with around £1000 on them. I have recently applied to card issuer to try and put all the balances onto one and save some money. I was however refused, suggesting my credit score was to blame. I therefore joined experian and obtained my credit score…
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Gambling charges
Hi, i know it's not pc, but was just wondering what credit cards don't charge for gambling transcations. I have Capital One, they do and my Sky card which didn't will soon be charging. Any help would be appreciated
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Please advise
I have an Overdraft facility with Halifax for £5000 which i am currently using about 1900. I have a balance of over £800 on my Barclaycard which i think it may be sensible to put onto my overdraft rather than leaving it on there at 14.9%. Is this sensible???
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Amount taken from credit card
I hired an Avis car for 12 days in Italy last month through Airmiles I paid Airmiles partly through airmiles vouchers & balance by credit card. When I returned from holiday discovered the full amount had been taken from my credit card by Avis for the hire. As i did not book the car directly from Avis surely they had no…
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0% Egg Card - BT Handling Fee
I took out an Egg card back in January 2007 which was 0% until 1st October 2007 on BT and 0% on purchases until 1st July 2007. I did a BT onto the card and no another transactions. I also got charged 2.5% or whatever the handling fee was to transfer by balance accross to the card. Ok, all good so far. I now find that Egg…
